Cheapest Car Insurance Rates in 2023

Best Car Insurance Companies in Hawaii

• Allstate
• Geico
• Liberty Mutual
• State Farm
• Island Insurance
• USAA

Auto Insurance Statistics in Hawaii

According to NAIC.org, the average auto insurance premiums in Hawaii seem to fluctuate. However, they are currently standing at a rate that is below the national average.

Top 8 Cheapest Car Insurance Companies in Hawaii

Drunk Driving Fatalities

Drunk driving is one of the most dangerous practices that can lead to fatalities on the road. According to The National Highway Traffic Safety Administration, Hawaii’s drunk driving incidents are above the national average. The data below shows the number of drunk driving fatalities in Hawaii vs. nationwide.

Drunk driving fatalities in Hawaii from 2013 to 2017

Source: The National Highway Traffic Safety Administration

Teen Drinking and Driving

Teen drinking and driving is somewhat of an epidemic in Hawaii. The percentage of teenagers drinking and driving in Hawaii appears to be well above the national average. The below statistics represent the percentage of Hawaii teen drivers that are drinking and driving when compared with national averages.

Teen Drinking & Driving in Hawaii vs. Nationwide (2017)

Source: www.NHTSA.gov

SR-22 Insurance in Hawaii

If you commit an infraction or any other type of driving offense, you might be required to purchase SR-22 insurance before you can operate a vehicle again. This is a verified type of insurance that the Hawaiian DMV uses to ensure you have proper coverage when you’re driving — the insurance provider will submit evidence that you have a policy. Additionally, the insurance provider will automatically notify the courts if you cancel the coverage.

It’s always important to work with a Hawaiian insurance agent that is authorized to provide SR-22 documentation to the DMV. In Hawaii, you will need property damage coverage of $10,000, single injury coverage of $20,000, and multiple injury coverage of at least $40,000 per accident. Always check with local insurance agents and DMV officials to make sure you have the most up to date coverage information. In the meantime we can assist you with getting SR-22 insurance quotes if you submit your zip code above.

Car Theft in Hawaii

When buying car insurance, it is important to keep in mind that car theft is an unfortunate reality nationwide. Learning about the average car theft in Hawaii versus nationwide can help you to decide whether or not you need better coverage such as comprehensive vehicle insurance. The data below shows how Hawaii ranks against other states nationwide in the number of car thefts.

Vehicle thefts by rank nationwide vs. Hawaii

Source: www.FBI.gov

Uninsured Motorists in Hawaii

Uninsured motorists that get into accidents have to pay the cost of the damage repairs out of pocket. However, in most cases, the motorists don’t have the funds upfront to pay for these costly expenses. Having insurance to protect against uninsured motorists is a wise choice for Hawaii drivers. The below data shows how well Hawaii ranks in the total number of reported uninsured motorists in the state in the year 2015.

Percentage of uninsured drivers (Top States in 2015)

Source: Insurance Information Institute

When drivers first move to Hawaii, they ask about car insurance. It’s not a big secret that living on the islands is expensive, but that’s what you get when you pay to live in one of the most beautiful locations in the world. Auto insurance is surprisingly affordable in Hawaii, which is always a pleasant realization for new residents and those who’ve lived there a long time and simply want to find a more affordable auto insurance policy. With so many of the best auto insurance companies to choose from, it’s not difficult to find a policy that’s more affordable than the one you currently use.

It’s important to understand that no two people have the same insurance premium, plan, and policy in Hawaii. It’s not a list of premiums and plans you get to choose from that determines your price. It’s multiple outside factors, and many of those are quite personal including whether you need high risk auto insurance.

• The car you drive
• The age of your vehicle
• Your age
• Your gender and sex
• Your marital status
• Your finances
• Your driving habits
• Where you reside

Car insurance companies look for the best possible candidates for their cheapest rates. These are the safest drivers, the best customers, and those who aren’t as big a risk as someone else that has a policy with their company. Each of these factors is used to determine your risk, and it’ll never be the same as the risk factor of another person.

Coverage Considerations For Auto Insurance

Your Personal Details

One of the most important things an insurance company considers when determining your insurance deductible and rate is your personal life and details. Your credit score helps insurance agencies understand how likely you are to pay your premium each month or year. Your driving record helps insurance companies determine whether you are a safe driver. If your driving record is poor, your insurance rates go up. Married couples, young women, and older men are far less likely to drive poorly and become involved in an accident. This means they’re less expensive to insure.

While some of these factors aren’t easy to change, such as your age or gender, others are a little bit easier to change. They make it easier for you to get lower rates. It helps to drive well, stay on top of your finances, and to get married sooner if you’re looking for a way to save money.

Your Car and Home

If you drive a big car, you’re going to save money on your premiums provided it’s newer. If you drive a car with a big engine, you’re going to pay more for your insurance premium each year. if you drive a car with ample safety features, you can use those to lower your rate. If you live in a lovely neighborhood without much traffic or crime, your rates are lower. If you live close to a major street in an area with a low economic status, chances are good many drivers in the area are uninsured. Unfortunately, this means you’re going to pay more for your insurance to make up for the fact they don’t have any. Take a look at the cheapest SUV to insure.

Coverage Considerations

Many people make the mistake of choosing the least expensive policy without first considering what it covers. If you have a policy that’s inexpensive, it might not cover all the things you need covered. If you don’t have uninsured motorist coverage, for example, you could be held liable for your own repairs and medical bills if you are involved in an accident with someone who doesn’t have insurance whether you caused it or not. Cheaper doesn’t always mean better, which is why it’s so important to look at the policies you’re considering and weigh the options.

You can always choose a policy with a high deductible rather than one with a low deductible if you want to save more on a regular basis, but only do this if you can afford the deductible otherwise. You do have options for finding affordable car insurance in Hawaii, you simply have to know where to look and what might affect the rates you pay compared to the rates someone else pays at the same company. Sometimes local auto insurance brokers can best help you with these discounts.

Types of Auto Insurance Coverage in Hawaii:

• Uninsured/Underinsured Motorist Bodily Injury Insurance
• Uninsured Motorist Property Damage Insurance
• Bodily Injury Liability Insurance
• Property Damage Liability Insurance
• Comprehensive Insurance Coverage

Minimum Requirements For Car Insurance in Hawaii

There are minimum requirements for car insurance in the state of Hawaii. The basic type of coverage that every driver in Hawaii is required to have is liability coverage in accordance with the regulations set by the Hawaii Department of Commerce and Consumer Affairs (DCCA).

Hawaii Liability Coverage minimum coverage:

• $10,000 for property damage coverage
• $20,000 coverage for personal injury
• $20,000 coverage for a single bodily injury or death car accident
• $40,000 coverage for a multiple bodily injuries or deaths car accident

Drivers without sufficient coverage may have to pay a fine or they may receive a citation.

Hawaii Department of Driver Services: www.dds.ga.gov

Cheap Auto Insurance Discounts

We know you are looking for the best possible deals when you do an auto insurance comparison and that is why we strive to find the best ways for you to save as much as possible. We have compiled a list of frequently used car insurance discounts so that you can save money on the car insurance you need.

• Anti-theft discount
• Car safety features discount
• Defensive driving discount
• Good student discount
• Bundling insurance policies discount
• Military or Veteran discount
• Mature driver discount
• Multi-car auto insurance discount
• Senior citizen discount
• Infrequent usage discount
• Low-mileage discount